Home World Tech How does CRED make money? Business model breakdown

How does CRED make money? Business model breakdown

CRED is a one-of-a-kind global nutrition company that serves the nutritional needs of over 100,000 schools and childcare centers across the globe. We achieve this by offering a variety of products and services that deliver the right nutrition, at the right times, in the right amounts. We offer a family of Nutritional Supplements, including the flagship CRED® for Kids®, with products that are formulated to meet the unique nutritional needs of young children. CRED also offers Nutrition Education for schools and childcare centers, in addition to proprietary medical nutrition products designed to support the nutritional needs of specific groups and populations.

CRED is a content marketing platform that helps its users generate leads and revenue by helping them find new customers and drive sales for their business. It’s a not-for-profit startup, so the model is pretty straight forward. We earn revenue from the services we provide our users and partners. Right now, we’re focused on helping the SMB market find new customers, but that will obviously expand as we grow.

CRED is a company that operates a software as a service (SaaS) product that allows software companies to create their own apps and services using CRED’s CRED.JS JavaScript library. CRED has a team of developers who use CRED.JS to build apps and services for clients.

Fintech businesses are transforming the Indian economy, and when it comes to Fintech, it’s impossible not to include Cred. Cred has undeniably changed the Indian startup landscape, whether through unorthodox ad tactics or a billion-dollar valuation.

Cred is a members-only credit card payment solution that rewards users for paying their bills on time. Cred has made credit card users’ lives easier by providing services like auto payback and smart statements.

When it comes to what Cred does, however, everyone has one question: how is the company going to generate money? To earn a rupee in 2023, the unicorn startup spent a mind-boggling 727 rupees.

So, how will the corporation recover from its tremendous financial burn? In this post, we’ll look at Creds’ business model and try to figure out how the fledgling company hopes to make money.

See also: What is CRED? Is it secure?

Before delving into Creds’ business strategy, it’s crucial to comprehend the market it’s attempting to break into and the people that use the app.


The Indian credit card market is quickly evolving, with the sector expected to develop at a CAGR of 25% from 2023 to 2025. Furthermore, credit card market penetration in the country is minimal. Only 3 persons out of 100 have a credit card, compared to 32 in the United States.

According to the information provided above, the Indian credit card industry is predicted to develop at an exponential rate, and Cred wants to be a part of that growth.

Base of customers

Cred is a members-only payment app that is available to anyone with a credit score of 750 or higher. Cred distinguishes itself by having users like these as customers.

Cred has meticulously developed a community of people who diligently pay their credit card bills by filtering the people who can use the app.


Cred compensates its loyal credit card users with cred coins in order to keep them as customers. These coins can be used to purchase discounted things on the Cred app.

Also see: Apple Pay vs. Google Pay vs. Samsung Pay: Three Key Points to Consider

Cred now has a user base of 6 million people. These individuals are Credit club members who have access to a premium discounted marketplace. All the corporation needs to do now is figure out what these folks like and provide things that are similar.

Cred has built the following revenue streams in addition to using its unique user base:


  • Cred provides businesses with a one-of-a-kind marketplace. Cred can sell high-end products with ease because it has a premium user base. Businesses must pay a listing fee to Cred in order to receive visibility in front of such a unique user base.
  • Cred pay: Cred partnered with Razerpay and Visa to allow users to use Cred coins to make payments on partner websites. Members can use their Cred coins to earn discounts on purchases when they use Cred pay as a payment method. Cred will receive a portion of the transaction discount rate charged for processing the payment on the merchant website as a result of this.
  • Cred rentpay: Cred rentpay allows consumers to pay their rent with their credit cards. In order to process these payments, a transaction fee of 1-1.75 percent is charged.
  • Cred stash: Cred offers its users a personal credit line with Cred stash. This allows consumers to obtain a loan without putting up any collateral. The amount of money that consumers can borrow through Cred fluctuates, and there is an interest rate of 11-14 percent on the loan. Furthermore, a processing fee of 1-2 percent is withheld from such payments.

Cred has developed a premium marketplace for its members, despite the fact that it is not yet cash flow positive. Cred also possesses financial data on over 6 million people and has a good understanding of how people spend their money. Cred can utilize this information to provide consumers personalized recommendations and increase sales on its platform.

Also see: What is an Upstox UCC id?


Curiosity drives a tech fanatic. A traveler and a bibliophile. An engineer who enjoys coding and writing about new technologies. I can’t go a day without coffee.

Nischay can be reached by email at [email protected].

CRED has a unique model where it is able to make money without selling anything to the user. Most social media sites/apps need to be monetized through advertising, and charging users in order to use the product is known as a freemium model, often a model that is adopted by mainstream social media sites like Facebook. CRED’s model is different, as it is a revenue sharing app, where users are able to earn money from their content being shared by the app, as well as the content generated by others.. Read more about cred business model ppt and let us know what you think.

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Frequently Asked Questions

How does the business model of CRED work How does it make money?

CRED is a business that provides services to businesses and individuals. It charges for these services in the form of credits.

How do CRED apps make money?

CRED apps make money by displaying advertisements.

What is CREDs revenue model?

CREDs is a platform that allows users to purchase and sell digital goods. We charge a small fee for each transaction on the platform.

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